The same process has also been adopted by countless other banks that now offer check deposits via their smartphone and tablet apps. The first thing you need to do is download the USAA app to your smartphone or tablet. I currently use an Android phone, but the process works the same across Android an Apple iOS devices. In fact, I currently use the app to access my USAA account more frequently than booting up my computer.
USAA already offers this feature for home computers under the name [email protected] The premise is the same. With the home version, you scan the front and back your check after you endorse it with your signature and account number. Then you send the scanned photo and amount of the check and the USAA software verifies the information on the check and deposits it into your account.
The process is quick and much faster than mailing the check to USAA, since the funds are usually available the same day. But believe it or not, USAA [email protected] is even faster and easier than [email protected] since it basically removes a step from the process. Instead of having to scan the check, then save and upload the photo to your USAA account, you simply take a picture of the front of your check, then endorse the back of the check, take another picture, then click submit.
USAA then informs you whether or not the picture quality was good enough and whether or not it was accepted. I just used a medium color background. Once your deposit is accepted you will receive a confirmation number and your funds will be available to you.
Users are also instructed to write VOID across the front of the check, using large lettering, or to destroy the check. I usually write the confirmation number in small letters on the bottom of the front of the check, then wait a few weeks to verify there were no issues with the deposit. Here is the main difference between USAA [email protected] and [email protected] : with [email protected] you will have a digital copy of your check.
Contact USAA to verify your eligibility, as well as your daily deposit limit. Most daily deposit limits start small. But they may increase over time, based on the number and type of accounts you have with USAA, your credit history and history with USAA, and other factors.
However, there may be a hold placed on a portion of the funds for larger deposits. For larger deposits, you would most likely need to do an ACH or wire transfer. In addition to meeting eligibility requirements, you will need to have an iPhone or iPad, or an Android capable phone or tablet with the right hardware.
It simplifies my banking life and makes my money available to me more quickly. Posted In: Banking. Ryan Guina is The Military Wallet's founder.
He is a writer, small business owner, and entrepreneur. Ryan started The Military Wallet in after separating from active duty military service and has been writing about financial, small business, and military benefits topics since then. He also writes about personal finance and investing at Cash Money Life. Ryan uses Personal Capital to track and manage his finances.
Personal Capital is a free software program that allows him to track his net worth, balance his investment portfolio, track his income and expenses, and much more. Processing will begin on the same day you make the deposit provided that you do so before 9 p. Processing will begin on the next business day if you miss the 9 p.
You must state as part of your endorsement on the check that you're making a mobile deposit if you use [email protected] , and you should receive an immediate confirmation of the transaction. USAA hasn't accepted the check for some reason if you don't receive one. You can reach out to USAA by phone if the deposit doesn't show up in your account balance and you received a confirmation.
Just call Your other option is to try to deposit the check again if you didn't receive a confirmation. Be sure to include that statement in your endorsement that it's a mobile deposit when you try again, because that could be the problem if you omitted it. Your options are more limited — or at least less streamlined — if your deposit bounces: You received a confirmation and the deposit was pending, but now the issuer's bank won't honor it.
USAA indicates that you should not try to deposit it again in this case because it will result in a "duplicate deposit attempt. Contacting USAA by telephone is probably the easiest way to check the status of your deposit, but you have other options as well. USAA doesn't offer an email contact, but you can bypass the toll-free line and call if you're not able to get through on the line for some reason.
USAA offers "shortcut" access as well if you're using your mobile phone: You can also fax USAA at
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